Providing enrollees flexibility in obtaining services covered annually or on a multiyear basis.

HB 1627 requires health insurance plans in Washington State (effective January 1, 2026) to allow enrollees to access annual or multiyear covered services up to one month early, while maintaining the same cost-sharing as if the service occurred after the full interval. It directly affects health plan enrollees and health carriers offering medical, dental, or vision plans. Key provisions mandate that for services typically required annually, enrollees may obtain them at least one month before the 12-month mark, and for biennial or longer services, one month before the scheduled frequency, with identical cost-sharing applied. This changes coverage timing without altering service eligibility or cost structures.